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My mom's a big b*tch and never gets me food, clothes, nothing. None of my clothes even fit me. She says if I get a job, the money will have to go into her account (I'm 15 right now.)
I can't live like this anymore. But my dad said that when i'm 18, I still can't buy what I want because I...
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My mom's a big b*tch and never gets me food, clothes, nothing. None of my clothes even fit me. She says if I get a job, the money will have to go into her account (I'm 15 right now.)
I can't live like this anymore. But my dad said that when i'm 18, I still can't buy what I want because I can't get a credit card without having a joint account with them.
So basically, when I am 18, how can I independently have a credit card without my parents knowing or controlling my purchases? I'll have a job btw. Thanks

This scenario doesn't describe me, I'm just curious.
Today Toys R Us announced that they are closing all stores, and going out of business. In a few months, they will be defunct.
I googled it, and it turns out Toys R Us has credit cards. And not just a store charge card, but there is also a Toys R Us...
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This scenario doesn't describe me, I'm just curious.
Today Toys R Us announced that they are closing all stores, and going out of business. In a few months, they will be defunct.
I googled it, and it turns out Toys R Us has credit cards. And not just a store charge card, but there is also a Toys R Us credit card with a Mastercard logo that can be used anywhere.
Lets say that someone has one of these Mastercards with say, a $5,000 dollar credit limit.
What happens if, in light of today's news, they go out and max it out on stuff they want, with the intent of not paying it.
As Toys R Us will soon cease to exist, does that mean that there will no longer be a debt?

A letter on 2/2 was mailed to me from a debt collector claiming I owed a debt from 2012. It stated the current creditor, account number, service date, and amount due. It also stated that I have 30 days to dispute the validity of the debt and if I do so they will obtain verification.
So on 2/12 I mailed via...
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A letter on 2/2 was mailed to me from a debt collector claiming I owed a debt from 2012. It stated the current creditor, account number, service date, and amount due. It also stated that I have 30 days to dispute the validity of the debt and if I do so they will obtain verification.
So on 2/12 I mailed via certified dispute and request for a validation. They received it and it was signed for. 30+ days later they have not provided me with validation of debt. During this time, I have received missed calls from them and they have continued to report to my credit reports which I was under the impression during a validation of debt request that they could do neither.
I called them today (recorded it) and brought to their attention my timeline and inquired about my validation of debt request and dispute. The collector told me the letter I received on 2/2 with just the creditor name, service date, and amount due was a validation of debt. The letter included statements saying that if I dispute the validity of the debt they would obtain verification and mail it to me. I explained that within 30 days of receiving the letter I disputed it and requested verification. She informed me that they requested an itemized form from the creditor and the creditor should have mailed it to me.
If they fail to validate the debt, they are not legally allowed to collect, sue, or report to your credit reports? Do I have a case if I were to sue them? Can anyone shed some light on this for me?

i got a new bank account through bank of america . my debit card came in the mail but when i call the number to activate it it isn’t working it says account can’t be found or something along those lines.what to do?

i got a new bank account through bank of america . my debit card came in the mail but when i call the number to activate it it isn’t working it says account can’t be found or something along those lines.what to do?